Patents Examined by James D Nigh
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Patent number: 11257070Abstract: A system and method for providing reputational information on users involved in transactions is detailed. The method includes evaluating fulfilment of transactions, particularly in the context of contracts, and providing a record of that on a blockchain through reputational information, which can be retrieved later. Similar reputational information for other transactions can be retrieved and linked to the same user, based on a hash of a master public key for a user. Aggregate reputational information can be computed from pieces of reputational information retrieved. The evaluation and record provision can be implemented using a deterministic finite automaton (DFA). For each user involved in each contract, the DFA not only configures and allows for implementation of the contract, but also considers the extent of fulfilment of the contract's terms. The DFA generates reputational information in relation to each user in each contract, and this reputational information is published to and stored on the blockchain.Type: GrantFiled: January 29, 2018Date of Patent: February 22, 2022Assignee: nChain Licensing AGInventors: Martin Sewell, Vera Vsevolozhsky, Craig Steven Wright
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Patent number: 11257099Abstract: Techniques enable creation of a preview license for digital content. In some instances, the preview license indicates that it allows a content-consuming device to consume less than all of the content. This preview license may create a list specifying multiple portions of the digital content that the content-consuming device may consume. These techniques may also present to a device user an offer to purchase rights to consume all of the digital content after consumption of the preview-licensed portion(s). In other instances, a content server may embed the preview license into a content package that contains the digital content, allowing the server to distribute the package to multiple devices. In still other instances, the preview license may be bound to a domain rather than to individual devices. This allows member devices to share the digital content and the preview license, such that each member device may enjoy the preview experience.Type: GrantFiled: September 26, 2017Date of Patent: February 22, 2022Assignee: Microsoft Technology Licensing, LLCInventors: Patrik Schnell, Clifford P. Strom, Adrian J. Oney, Mark L. Beaubien, Kedarnath A. Dubhashi, Alexandre V. Grigorovitch, Anand Paka, Satvir Randhawa
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Patent number: 11250394Abstract: A method of issuing blockchain-based digital certificates associated with a gemstone comprising receiving from a user a plurality of gemstone records, each record of the plurality of gemstone records comprising a characteristic indicator associated with a gemstone, receiving from the user meta-information related to the plurality of gemstone records, applying a hashing function to each record of the plurality of gemstone records, generating a plurality of fingerprints, generating a hash tree from the plurality of fingerprints, the hash tree comprising a root hash, recording to a digital certificate gemstone smart contract deployed at a digital certificate gemstone smart contract address on a first blockchain network the root hash and the received meta-information, and signing the digital certificate gemstone smart contract with an issuer signature.Type: GrantFiled: February 14, 2018Date of Patent: February 15, 2022Inventors: Vijay K. Madisetti, Arshdeep Bahga, Jae Kim, Avinash Rao
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Patent number: 11250419Abstract: A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.Type: GrantFiled: October 15, 2019Date of Patent: February 15, 2022Assignee: Capital One Services, LLCInventors: James Zarakas, Molly Johnson, Robert Perry, Adam Koeppel, Tyler Locke
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Patent number: 11250156Abstract: Various embodiments are generally directed to techniques to enhance the security of physically delivered packages, items, or products, including postal mail. An article of manufacture associated with the enhanced security of one or more embodiments of the present disclosure can include: a container with a postage, a physical medium in the container, wherein the physical medium contains a sender message embodied on the surface of the physical medium, and wherein the sender message comprises: an unencrypted message, and two or more encrypted portions of a plurality of terms of service, where each of the two or more encrypted portions of the plurality of terms of service are associated with a distinct barcode corresponding to each of the two or more encrypted portions.Type: GrantFiled: December 24, 2019Date of Patent: February 15, 2022Assignee: Capital One Services, LLCInventors: Jeremy Edward Goodsitt, Austin Grant Walters, Fardin Abdi Taghi Abad, Vincent Pham, Anh Truong, Kenneth Taylor
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Patent number: 11250428Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for managing transaction requests in ledger systems.Type: GrantFiled: March 31, 2021Date of Patent: February 15, 2022Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.Inventors: Yuan Zhang, Benquan Yu, Yize Li, Wenyuan Yan, Xinying Yang
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Patent number: 11244292Abstract: A method and system of recording multiple transactions between a multiple of users on a blockchain (9), including a first transaction (22) from a first user (5) to a second user (7) and a second transaction (24) from the second user (7) to the first user (5). The blockchain may be, for example, the Bitcoin blockchain. The method may include receiving (110) a first request from a first node (15) associated with the first user (A) to transfer a first quantity of cryptocurrency associated with the first transaction (22) and receiving (120) a second request from a second node (17) to transfer a second quantity associated with the second transaction (24). The first transaction (22) is conditional on receiving (120) the second request and the second transaction (24) is conditional on receiving (110) the first request. The method also includes verifying (130) the first request and second request that includes determining both the conditional steps of receiving the first request and second request are satisfied.Type: GrantFiled: March 24, 2017Date of Patent: February 8, 2022Assignee: nChain Holdings LimitedInventors: Craig Steven Wright, Stephane Savanah
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Patent number: 11244307Abstract: A transaction processing system may include: a plurality of leaf chains including a first leaf chain and a second leaf chain, the first leaf chain and the second leaf chain including a first leaf chain manager contract and a second leaf chain manager contract, respectively; a root chain comprising a root chain manager contract for the root chain, a first leaf chain contract for the first leaf chain, and a second leaf chain contract for the second leaf chain; and at least one relayer located between the root chain and the plurality of leaf chains, and configured to process a remittance request from the first leaf chain to the second leaf chain.Type: GrantFiled: November 4, 2019Date of Patent: February 8, 2022Assignee: LINE Plus CorporationInventors: Hongsup So, Hong Kyu Lee, Jeehong Lee, Chul-soon Choi, Eunho Chang, Hojin Jang
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Patent number: 11238546Abstract: A solar panel energy system, energy resource network comprising a plurality of energy resources each capable of delivering a quantum of energy; and a plurality of energy-consuming-devices each capable of accepting a quantum of energy. Each energy resource is associated with an energy-resource-processor which is configured to issue one or more offer-messages in respect of a quantum of energy available for supply from the energy resource Each energy-consuming-device is associated with at least one energy-consuming-processor) that is configured to receive one or more offer-messages in respect of a transaction for receiving a quantum of energy from one of the energy resources The energy-resource-processor and/or the energy-consuming-processor being configured to issue a cryptographically-secured transaction record of the transaction for inclusion within a publicly-available distributed ledger.Type: GrantFiled: June 11, 2019Date of Patent: February 1, 2022Assignee: INTELLIGENT ENERGY LIMITEDInventors: Henri Winand, John Joseph Murray
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Patent number: 11232415Abstract: A method for encrypting paper title assets to crypto currency and transferring title is disclosed. The method involves the use of application software and a physical vault. Application software including an encryption engine, a decryption engine, a user interface module, records, and a security key management system. Paper title assets are provided to a physical vault and transferred physically at the behest of users of the application software and verified by public ledger records.Type: GrantFiled: May 25, 2016Date of Patent: January 25, 2022Assignee: OX Labs Inc.Inventors: George Melika, Akbar Thobhani
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Patent number: 11227268Abstract: Systems and methods for managing user data across multiple applications and devices are disclosed. An example method includes: detecting a user is conducting a transaction using a first application installed on a user device; determining that the user is requesting one or more payment options from a first merchant associated with the first application; determining that a global payment method is selected by the user; determining that the user device is a trusted device associated with the user; and in response to determining that the user device is a trusted device, providing the global payment method to the user in the first application on that same device or a different device.Type: GrantFiled: June 30, 2016Date of Patent: January 18, 2022Assignee: PAYPAL, INC.Inventors: Aravindan Ranganathan, Srivathsan Narasimhan, Srinivasan Rangaraj
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Patent number: 11227281Abstract: Disclosed herein are systems, methods, and devices for transaction methods for mobile wallet operations in a casino. Various embodiments are directed to applying funds to a user's mobile wallet by transactions at a kiosk, cage, Peripheral System, or other system of the casino. Embodiments are also directed to applying credit to an electronic gaming machine of the casino. Embodiments are also directed to returning or redeeming credit from an electronic gaming machine of the casino to the user. Embodiments are also directed to transferring credit from a mobile wallet to external funds.Type: GrantFiled: March 19, 2020Date of Patent: January 18, 2022Assignee: JCM American CorporationInventors: Mike Nguyen, David Kubajak, Mark Adams, Mark Castilo
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Patent number: 11227275Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.Type: GrantFiled: September 5, 2017Date of Patent: January 18, 2022Assignee: The Toronto-Dominion BankInventors: Lauren Van Heerden, Prabaharan Sivashanmugam, Dino D'Agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham
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Patent number: 11222331Abstract: A blockchain-based rough gemstone planning method including scanning rough gemstones and generating one rough gemstone records, recording the rough gemstone record to a rough gemstone blockchain network, receiving a smart contract associated for each rough gemstone record, receiving virtual derivative gemstone records, generating derivative smart contracts for the virtual derivative gemstone records, sending the virtual derivative gemstone records and the derivative smart contracts to a trading network, and receiving price information associated with the virtual derivative gemstone records.Type: GrantFiled: May 25, 2021Date of Patent: January 11, 2022Inventor: Vijay Madisetti
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Patent number: 11216802Abstract: A network node that includes at least one processor, at least one memory, and at least one network interface is disclosed. The network node is part of a peer-to-peer network of network nodes implementing a distributed ledger. The network node is communicatively coupled to at least one remotely located computing device through the at least one network interface. The at least one processor is configured to receive, from a remotely located computing device, a request to transfer a security token. The at least one processor is also configured to execute a plurality of compliance rules associated with the security token. At least one of the compliance rules is implemented using at least one smart contract. The at least one smart contract references a global registry. The at least one processor is also configured to transfer the security token based on the execution of the compliance rules.Type: GrantFiled: August 9, 2019Date of Patent: January 4, 2022Assignee: tZERO IP, LLCInventors: Scott Overholser, Robert Christensen, Nicole Sanders, Justin Wilson, Robert Valmassoi, Chase Lester, Michael William Stuart Smith
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Patent number: 11216799Abstract: Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.Type: GrantFiled: January 4, 2021Date of Patent: January 4, 2022Assignee: Capital One Services, LLCInventors: Jason Ji, Jeffrey Rule, Colin Hart, Wayne Lutz
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Patent number: 11216806Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.Type: GrantFiled: July 30, 2019Date of Patent: January 4, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Lara Mossler, Aravindhan Manivannan, Baskar Dilli
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Patent number: 11216822Abstract: A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.Type: GrantFiled: September 26, 2019Date of Patent: January 4, 2022Assignee: United Services Automobile Association (USAA)Inventors: Christopher Paul Courtright, Bradly Jay Billman
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Patent number: 11210663Abstract: The embodiments described herein comprise hardware and software improvements in blockchain-asset exchange technology, whereby one or more servers automatically, based on a set of predetermined rules, executes a mechanism allowing blockchain-asset exchange customers to place standing-limit or market orders for blockchain-based digital assets (e.g., cryptocurrencies) with a counter-party, but without counter-party risk. The counter-party will not receive the payment until the customer's exchange order has executed, and the customer has taken possession and ownership of the desired asset. The customer cannot reverse payment or otherwise rescind the payment from the counter-party once the customer receives the desired asset.Type: GrantFiled: November 30, 2016Date of Patent: December 28, 2021Assignee: SHAPESHIFT AGInventor: Erik Voorhees
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Patent number: 11205173Abstract: A system and method uses a cloud computing based mobile wallet application for deconstructing various elements of magnetic stripe data corresponding to a pre-paid gift card, storing such data elements in disparate secure storage devices on different networks to enhance security and reassembling the various elements to reconstruct the magnetic stripe data on demand at the time of processing a financial transaction.Type: GrantFiled: July 25, 2019Date of Patent: December 21, 2021Assignee: CHEVRON U.S.A. INC.Inventor: Biren Arvindkumar Patel